4 Common Pre-Retirement Mistakes

Written by Richard Parker

Retirement is a period most of us can’t wait to get to, but the journey can be bumpy. In fact, the journey can throw up more than a few roadblocks – all of which can contribute to a difficult retirement life.

Mistakes happen through the course of life and to suggest that the decades leading up to retirement will be void of them would be unrealistic. However, today is all about pinpointing some of the most common ones which can leave people’s retirement dreams in tatters.

You don’t think of the big, retirement picture

One of the biggest mistakes we see across the retirement spectrum is people exclusively focused on the here and now. They have set expectations and are under the impression things will never change.

Well, here’s a newsflash, they turn on their head. The good news is some will be eradicated (with the mortgage usually falling into such a category), but by the same token you’ll have some new ones to deal with. For example, as difficult as the subject might be, you should look at how to pay for potential care as you get older, and even funeral fees. It’s the unplanned for extras like this which add up and distort your mortgage-free retirement living.

You don’t max out your pension

We are taught from a young age that there is no such thing as free money. Well, when it comes to pensions, we disagree.

Most companies will match your pension contributions. Instead of investing the bare minimum, invest a little more so your company will do the same. This is money that you can accumulate for years to come and with the power of compound interest, this can be invaluable.

You don’t invest

Following on from the previous point, you need to think about investing. We are by no means suggesting you start to act like Warren Buffett, but at least think broader about your financial plans.

Most think they are doing the right thing by saving money and this is absolutely a good start. However, the interest rates on savings accounts are low, and these accounts will be dwarfed by long-term funds which tend to yield much better returns. Is there an element of risk? There always is. If you turn to a reputable financial planner, or even conduct your own due diligence, you can mitigate these risks somewhat and provide yourself with a much stronger retirement nest egg.

You only think about money

So far, we’ve only spoken about money. In fact, when it comes to retirement, most people do just plan for the financial impact.

As we have already noted, your financial situation will turn on its head during this period of your life. By the same token, it is important not to ignore other areas of your life. As well as your finances, your routine is going to be completely overridden and you’ll suddenly need to fill your time. As welcome as it might initially sound, some people struggle immensely with this and find it really difficult to adjust to a life of disposable time.

Best Forms of Exercise for Those Over 50

Written by John Moran

There was a time when the phrase “50 is the new 40” created scandalized waves through media outlets and lifestyle magazines. But thanks to the work against ageism and improved ability to understand physiology, age is only a number for those who want to live their life to the fullest.

If you are over 50 and want to maintain your fitness, you can try plenty of fun and exciting ways to dabble into a safe exercise regime. Depending upon your preference, you can choose between various activities to keep yourself healthy without increasing your risk of injuries.

From donning a prescription dive mask to running on a treadmill, here are the best forms of exercise for those over 50.

Use a Prescription Dive Mask to Swim Underwater

If you live near a coastal area, you can find nearby diving spots to experience adventure sports safely and healthily. All you need is basic training and equipment to take underwater dives, and you will be able to take in unique sights of fishes and coral reefs while maintaining your fitness.

Just in case you wear prescription glasses: you don’t need to worry about exchanging your clear sight for an underwater dive. With unique masks for corrected vision, you can clearly see under the water without compromising your safety or overall experience.

Get a Professional Treadmill For Your Cardio

If you don’t have any underlying health conditions that limit your mobility, getting sufficient cardio should be one of your main goals. The best part? You don’t have to move mountains to achieve this objective. You can take regular walks to get your required exercise.

Since the risk of muscle and tendon-related injuries increases with age, it’s ideal to find an even surface to perform your daily jogs. With its comfortable yet sturdy build, a high-quality treadmill fulfills this objective without putting your body through undue stress.

Wear Comfortable Shoes for Dancing

If you want to go the prescription dive mask route but do an activity on land, you can turn to dance shoes. With the ability to enjoy comfortable yet fun dance forms, you can quickly get your exercise while swaying to your favorite music.

There are plenty of dance classes that cater to older adults. But if you don’t want to risk going into a crowd, you can check online videos and tutorials to dance in your living room. Just make sure to wear flexible shoes and stay away from uneven surfaces, so you prevent the risk of unnecessary injuries.

Get a High-Quality Bike for Cycling

Miss the outdoors but don’t want to risk running on bumpy roads? Try cycling instead. With the right bike, helmet, and protective equipment, you can easily enjoy a ride through your neighborhood or your local bike trail. This is not much different from using a prescription dive mask for an optimal experience.

Cycling helps you strengthen your bones, abs, and muscles. But it doesn’t stop there. It also enables you to improve your balance and reflexes over time. If you want to make the activity safer for yourself, you can invest in special bike models with added equipment.

By keeping these activities in mind, you can start enjoying your exercise instead of looking at it as a chore. This has a positive effect on your overall fitness and helps you get the most out of your free time.

How to Stay Safe and Take Advantage of End of Summer Travel Savings

Written by Doreen Jacobs

Is now the time to take advantage of a down travel industry?

In the first few months when COVID-19 started its steady increase, all our lives were put to a halt. Among those that suffered a big blow was the travel and tourism industry. With the multiple lockdowns around the world and the fear of contracting the virus in crowded places, it was a dry couple of months for local and international tourist destinations.

As USA Today recently wrote about, the world is slowly recovering, and a lot of countries have started to normalize operations. You are already seeing travel deals (oh yeah baby!) here and there.

So, you ask yourself. Is it time to take advantage of the end of summer travel savings? Before you do, ask yourself these questions.

Assess How You Will Travel

It will be tempting to book that 50% off hotel room or reserve that amusement park ticket (we miss you Disney!). But before you do that, remember first to assess the mode of transport you will take to get there.

You should prefer a close destination, someplace within the city, or somewhere close enough to drive.

With this, you are assured that there is less contact throughout travel: https://pointmetotheplane.boardingarea.com/take-advantage-post-covid-travel-deals/

If you must fly, make sure to check first what protocols the airport and airlines have implemented. From there, objectively evaluate if you think these are enough to keep you safe. It is also important to check for any additional documents that might be needed. Make sure to constantly keep yourself updated for any changes and prepare beforehand to avoid conflicts on the day of the travel.

Research Your Destination Ahead of Time

A lot of countries and local governments will have already assessed best practices before opening their country or city to tourists. The same will be true to the re-opening of tourist spots, restaurants, amusement parks, and all places that tend to be crowded. Your job is to look further into it, to see if you think these are enough to keep you from contracting the virus.

Some key things to look at would be, how they propose to limit contact from one person to another:

· Cleaning procedures and sanitation

· Crowd control

· Air flow

Make sure to also be ready to subject yourself to these protocols, especially if you are visiting from another city or country. Be sure to bring a lot of patience. You must prepare yourself for chances of being refused to enter a place for security or medical reasons. Keep in mind that everyone is still navigating through this pandemic and we are all trying to keep people safe.

Be Conscious to Lessen Unnecessary Contact

If this were a normal summer trip, you would have already talked to hundreds of people and bought a dozen things (easy now social butterflies). But we cannot be that comfortable yet. Always think of ways to enjoy the place without having to touch so many things and talk to many people. If you must, be mindful to sanitize after.


One of the things you can do is to bring your supplies and food, if possible. By supplies, we mean like:

1. Tissues

2. Straws

3. Water

4. Alcohol

5. Hand Sanitizer

6. Bleach

7. Face masks

8. Rubber gloves

It would be safer to bring these things from your home. It is also recommended that you minimize cash and card transactions and opt for cashless alternatives if there are any available. If the establishment does not have that option, make sure to sanitize your hands and card after the contact.

It is reasonable that the possibility of contacting COVID will scare us from our usual routine. But what we need to take into consideration is that we all need some sort of break from all these new restrictions. Staying within the four walls of your home for months is deteriorative to your mental health.

Sometimes, a short vacation is what you need to help you overcome burnout. But before you take advantage of the end of summer travel savings, make sure that you are ready. It will require a lot more work than you usually do when planning for a getaway. But it will be worth it if it means you get to enjoy yourself while being safe.